Purchase and Travel Insurance

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Travel Accident Insurance
If you suffer a loss as a result of an accidental bodily injury while occupying a common carrier, you are eligible for this coverage.

Car Rental Insurance
If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus valid loss of use charges.

Purchase Security
Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage.

Extended Warranty
Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year—whichever is lesser.

Trip Cancellation
If you have to cancel your trip before it has even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance.

Price Protection
If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference.

$500,000

$85,000

Within 90 days of purchase

Up to 1 year

N/A

N/A

Trip Interruption & Delay
If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount if the cause of interruption or delay is eligible for the insurance.

Flight Delay
If your departing flight is delayed by a certain number of hours, you will be reimbursed up to a certain amount for necessary and reasonable expenses incurred during the delay.

Travel Medical Emergency
In the event that you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred.

Lost Baggage
In the event that your checked baggage cannot be located by a common carrier, you will be reimbursed for a portion of the replacement cost of lost personal property.

Delayed Baggage
If your checked baggage is not delivered within a specified time frame from the time of your arrival at your destination, you will be reimbursed for the cost to replace essential items.

Hotel/Motel Burglary
If, while you are checked in, your personal property is stolen from your hotel/motel room and there is evidence of forceful entry, you will be reimbursed for the stolen property up to a certain amount.

If you, your spouse, or your dependent child under age 23 sustain any of the losses below while riding as passengers in, or boarding or exiting from a common carrier (plane,train, bus or ship), you are eligible for the corresponding benefit amount.

Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.

Coverage applies when you charge the fare for the common carrier to your American Express Gold Rewards Card. The maximum benefit payable for loss resulting from any one occurrence is $500,000.

Type of Loss

Benefit Amount

Life

$500,000

Both Hands or Both Feet

$500,000

One Hand and One Foot

$500,000

Entire Sight of Both Eyes

$500,000

Entire Sight of One Eye and One Hand or One Foot

$500,000

One Hand or One Foot

$250,000

Entire Sight of One Eye

$250,000

Note: Benefits are payable only when a covered person suffers a loss within 100 days after the date of the accident.

Limitations & Exclusions

This policy does not cover any loss caused or contributed to by:

Suicide or intentionally self-inflicted injury by the covered person, or any attempt thereat, while sane or insane

War or any act of war, whether declared or undeclared

Committing or aiding and abetting in committing an offense under the Criminal Code of Canada or the laws of another country, or any attempt thereat, by or on behalf of the covered person or his or her beneficiaries

Injury sustained while serving as an operator or crew member of any conveyance

Injury received while driving, riding as a passenger in, boarding or exiting from a rental vehicle

The covered person taking any alcohol, drug, medication, gas or poison unless taken as prescribed by a physician

Directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination

How to Make a Claim

Call ACE INA Life Insurance at 1-877-777-1544 immediately or as soon as reasonably possible.

Written notice of claim must be given within 30 days of the occurrence of any loss. Benefits will be paid upon their receipt of due written proof of loss.

All action or proceeding against an insurer for the recovery of insurance money is absolutely barred unless commenced within the time set out in the Insurance Act (B.C. and Alberta), otherwise within 1 year of the occurrence of any loss.

If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus any valid loss of use charges resulting from the damage or theft.

You are eligible for this type of coverage provided that:

The full cost of the rental car including applicable taxes is charged to your American Express Gold Rewards Card and/or using your earned rewards points

You rent the car in your name and you decline the rental agency’s collision damage waiver (CDW) or equivalent offering

The length of the rental period doesn’t exceed 48 consecutive days

What Types of Rental Vehicles Are Covered?

You are covered for any rental vehicle, in its model year, with a Manufacturer’s Suggested Retail Price (MSRP) under $85,000, excluding all taxes.

Types of Vehicles Covered

Types of Vehicles Not Covered

Cars

Sports Utility Vehicles

Mini-Vans, provided that they:

Have a maximum gross vehicle weight of 5955 lb or 2680 kg

Seat a maximum of 8 people including the driver

Will not be used for the transportation of passengers for hire

Any vehicle, in its model year, with an MSRP over $85,000, excluding all taxes

Vans, cargo vans or mini cargo vans (other than mini-vans)

Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck

Limousines

Off-road vehicles (any vehicle used on roads that aren’t maintained by a public authority)

Motorcycles, mopeds or motorbikes

Trailers, campers, recreational vehicles or vehicles not licensed for road use

Vehicles towing or propelling trailers or any other object

Mini-buses or buses

Exotic vehicles

Any vehicle which is either wholly or in part handmade, hand finished or has a limited production of under 2,000 vehicles per year

Antique vehicles (over 20 years old or have not been manufactured for 10 years or more)

Tax-free cars

Limitations & Exclusions

This insurance does not cover losses arising from, caused by, or which contributed to:

Third party liability

Damages or expenses assumed, waived, or that may be paid by the rental agency, or by its insurer

Personal injury or damage to property, except the rental car itself or its equipment

Replacement vehicle for which a car insurance is covering all or part of the cost of the rental

Operation of the rental vehicle at any time while the driver is intoxicated or under the influence of any illegal or prescribed (if advised not to operate a vehicle) narcotic

Any dishonest,fraudulent or criminal act committed by any eligible person or at their direction

Participation in any race or speed test

Use of a fuel type or octane level that differs from the manufacturer’s recommended fuel for that rental vehicle

Normal wear and tear, gradual deterioration, or mechanical or electrical breakdown or failure, inherent vice or damage, insects or vermin

Operation of the rental vehicle in violation of the terms of the rental agreement

Seizure or destruction under a quarantine or customs regulations or confiscation by order of any government or public authority

Transportation of contraband or illegal trade

War, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating or defending against such action

Transportation of property or passengers for hire

Nuclear reaction, nuclear radiation, or radioactive contamination, any weapon of war employing atomic fission or a radioactive force

Intentional damage to the rental vehicle by an eligible person or at their direction

The loss, damage or misplacement of vehicle entry devices including keys and remote control devices or any related consequential loss, damage or expense

How to Make a Claim

Call the Insurance Centre for American Express at 1-800-243-0198 within 48 hours of the theft, loss or damage occurring.

If you are making a claim, it must be submitted within 45 days of discovering the theft, loss or damage, and must include following:

Statement(s) if requested

Sales draft showing that the rental vehicle was paid for in full with your American Express Gold Rewards Card and/or using your earned rewards points

A copy of both sides of the rental agreement

The accident or damage report, if available

The itemized repair bill

The receipt for paid repairs

The police report, when available

A copy of the billing or pre-billing statement if any repair charges were billed to your account

This plan automatically insures most new items purchased anywhere in the world for 90 days from the date of purchase. If the item is stolen or damaged, it will be replaced, repaired, or you will be reimbursed up to the item's purchase price.

Note: Valid claims will be settled, at the insurer's sole option, either by replacing, repairing or rebuilding the item, or by cash payment in an amount not exceeding the purchase price of the item.

Limitations & Exclusions

There will be no payment under this policy for any loss arising from the following:

Wear and tear

Theft of items attached to or carried by or in a motor vehicle

Mysterious disappearance, lost items

Inherent product defects, faulty material or workmanship

War, invasion, hostilities, rebellion, insurrection

Confiscation by order of any government or public authority

Risks of contraband or losses arising from illegal activity or acts

Flood and earthquake

Radioactive contamination

There is no payment under the policy for the loss of:

Cash or its equivalent, travellers cheques, tickets and any other negotiable instruments

Animals or living plants

Consumable goods

Perishable goods such as food and liquor

Items left behind

Ancillary costs incurred in respect of an insured item and not forming part of the purchase price

Jewellery and watches in baggage unless carried by hand and under your personal supervision

Motorized vehicles

Property solely used and pertaining to a business, profession or occupation

Property as a result of deliberate physical abuse to the property, excluding vandalism

Property which was procured illegally

Where you knowingly make a false or fraudulent claim

How to Make a Claim

Call the Insurance Centre for American Express at 1-800-243-0198 within 48 hours of the theft, loss or damage occurring

You must submit your claim with as much documentation as possible within 30 days of the loss occurring

The following claim documentation is required: • Original purchase receipt for item being claimed • Statement showing purchase • If claim is due to damage, a repair estimate or note from repair facility stating irreparable • If claim is due to damage and damage is visible, pictures of the damaged items • Homeowner’s policy showing amount of deductible • If claim is due to theft, a copy ofthe police report

When you charge the entire purchase price of an item to your card, this insurance plan either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year—whichever is lesser.

Coverage is provided for product malfunction, defect or damage covered by the terms of the item’s original manufacturer’s warranty and it applies only to items with warranties of 5 years or less that are eligible in Canada or the U.S.

Note: Valid claims will be settled, at the insurer's sole option, either by replacing, repairing or rebuilding the item, or by cash payment in an amount not exceeding the purchase price of the item.

Limitations & Exclusions

There will be no coverage or entitlement to benefits under this insurance for loss arising from the following:

Any physical damage, including damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer’s warranty covers such damage

Occurrences caused by any of the following: • Fraud • Abuse • War or hostilities of any kind (e.g. invasion, rebellion insurrection) • Confiscation by order of any government, public authority, or customs official • Risk of contraband • Illegal activity or acts • Radioactive contamination

Negligence

Improper installation or alteration

Ancillary costs incurred in respect of an item and not forming part of the purchase price

Inherent product defects

Mechanical failure or product defects covered under product recall

All occurrences that take place outside the coverage period

There is no coverage or entitlement to benefits for the following:

Products with manufacturer’s warranties not valid in Canada or the United States

Products which, at the time of purchase, are used, rebuilt, refurbished or remanufactured, including demos

Motorized devices and their parts used for agriculture, landscaping, demolition or construction

Improvements or upgrades to a residential or commercial property, including but not limited to permanently affixed goods

Business fixtures including but not limited to air conditioners, refrigerators, heaters

Loss or damage to electrical appliances or devices of any kind (including wiring) when loss or damage is due to electrical currents artificially generated

Land or buildings

Jewellery

Consumable or perishable items

Animals or living plants

One of a kind products which cannot be replaced

Business property including but not limited to inventory, items purchased for resale or items that would form part of a sellable product

Sports equipment and goods where the loss or damage is due to the use thereof

Products with manufacturer’s warranties lasting more than five years

How to Make a Claim

You must report your claim within 30 days from the date of any occurrence. It's important to remember to retain all receipts and the original manufacturer’s warranty for the item(s) until the claim process is complete. You may also be asked to obtain a repair estimate.

To make a claim, call the Insurance Centre for American Express at 1-800-243-0198

To submit a claim, the following documentation is required:

the original sales receipt

the corresponding Amex Bank of Canada account statement

the original manufacturer’s warranty

They will decide whether to have the item repaired, rebuilt or replaced, or to reimburse you up to the amount charged to the Card, and not more than the original purchase price

You must provide all requested documentation within 60 days from the date of the occurrence to remain eligible for benefits

For some claims, you may be required to send in the damaged item (within 30 days), at your own expense, for further evaluation of your claim

If your trip is interrupted or cut short for a covered reason you’ll be reimbursed up to $1,500 per insured person up to a maximum of $6,000 for all insured persons combined for unused, non-refundable prepaid travel arrangements and out-of-pocket expenses such as meals, transportation and accommodation.

Coverage applies whenever the entire cost (and before any cancellation penalties have been incurred) of prepaid travel, accommodations, and/or recreation arrangements are charged to your American Express Gold Rewards Card and/or paid for using your earned rewards points. This insurance also provides coverage for interruption claims resulting from acts of terrorism.

This coverage provides benefits for:

Transportation to your next destination,

An early return to your departure point, or

The delay of your trip beyond the scheduled return date

Eligible Expenses

You will be reimbursed for:

The non-refundable unused portion of your prepaid travel arrangements, excluding the cost of prepaid unused transportation back to your departure point

Accommodation, meals, telephone and taxi expenses up to $100 per day per insured person (up to $1,000 for all insured persons) if your trip is interrupted or, if return home is delayed beyond the scheduled return date

If your trip is cut short, your transportation costs to return to your departure point are also covered. If your trip is delayed, transportation costs to get you to your next destination or to rejoin a tour/group will be covered.

Covered Causes for Interruption

Your emergency medical condition

The emergency medical condition of an immediate family member (who is not at your destination), your business partner, key employee or caregiver

The admission to a hospital of your host at the destination, following an emergency medical condition

The emergency medical condition of your travelling companion

The emergency medical condition of your immediate family member who is at your destination

Your death

The death of your immediate family member or friend (who is not at your destination), your business partner, key employee or caregiver

The death of your travelling companion

The death of your travelling companion’s immediate family member, business partner, key employee or caregiver

The death of your host at the destination, following an emergency medical condition

The death of your immediate family member or friend, who is at your destination

A written formal travel warning issued by Canada's Dept. of Foreign Affairs and International Trade after the purchase of your trip, advising Canadians not to travel to a region originally ticketed for a period that includes your trip

A transfer by the employer with whom you or your spouse is employed on your effective date, which requires the relocation of your principal residence

The involuntary loss of your or your spouse’s permanent employment (not contract employment) due to lay-off or dismissal without just cause

Cancellation of your business meeting beyond your or your employer’s control

Your being summoned to service in the case of reservists, active military, police, essential medical personnel and fire personnel

An event completely independent of any intentional or negligent act that renders your principal residence uninhabitable or place of business inoperative

The quarantine or hijacking of you, your spouse or your dependent child

During your trip, you, your spouse or your dependent child being: • Called for jury duty • Subpoenaed as a witness • Required to appear as a party in a judicial proceeding

Limitations & Exclusions

This insurance does not cover loss of any kind caused directly or indirectly by:

You or your spouse's lung, heart, or other medical condition, if at any time in the 90 days before coverage is in effect, you or spouse's condition has not been stable

Interruption when you are aware, on the effective date, of any reason that might reasonably prevent you from travelling as booked

A trip undertaken to visit or attend an ailing person, when the medical condition or death of that person is the cause of the claim

The schedule change of a medical test or surgery that was originally scheduled before your period of insurance

Routine pre-natal care, a child born during your trip, pregnancy, childbirth or complications of either, occurring in the 9 weeks before or after the expected delivery date

Your participation as a professional in sports, participation as a professional in underwater activities, scuba diving as an amateur, participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving

Your commission of a criminal act or your direct or indirect attempt to commit a criminal act

Any medical condition arising from, or in any way related to, your chronic use of alcohol or drugs whether prior to or during your trip

Your abuse of medication, drugs or alcohol or deliberate non-compliance with prescribed medical therapy or treatment whether prior to or during your trip

Your mental or emotional disorders

Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment, surgery, investigations, palliative care or alternative therapy of any kind

War (declared or not), act of foreign enemies or rebellion

Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it

How to Make a Claim

Call the Insurance Centre for American Express at 1-866-426-7496 as soon as reasonably possible to file a claim. You must file your claim within 90 days of your return to your departure point.

In addition to a completed claim and authorization form, you must provide the following documentation:

A medical document, fully completed by the legally qualified physician in personal attendance stating the reason why travel was impossible, the diagnosis and all dates of treatment

Written evidence of the risk insured which was the cause of interruption

All receipts for the prepaid land arrangements and/or subsistence allowance expenses

Original passenger receipts for new tickets

Reports from the police or local authorities documenting the cause of the missed connection

Detailed invoices and/or receipts from the service provider(s)

In the event of a medical cause for interruption, you must give the insurer your consent to verify your health card number and other information required to process your claim. You must also give your authorization to physicians, hospitals and other medical providers to provide the insurer with any and all information they have regarding you, while under observation or treatment, including your medical history, diagnoses and test results.

If your scheduled departure from any airport is delayed for 4 hours or more, or you are denied boarding due to overbooking and no alternative transportation is made available to you within 4 hours of the scheduled departure, you will be reimbursed up to $500 per insured person for necessary and reasonable expenses incurred within 48 hours of the delay or denied boarding, for meals, accommodation and other sundry items.

This coverage also applies for necessary and reasonable expenses incurred within 48 hours due to a missed connecting flight or a delay of your incoming flight, where no alternative onward transportation is made available to you within 4 hours.

Coverage applies only when the full fare of the ticket is charged to your American Express Gold Rewards Card and/or paid for using your earned rewards points.

Note: The maximum aggregate limit under the flight delay and baggage delay coverages is $500.

Limitations & Exclusions

This insurance does not cover loss of any kind caused by:

Alternate travel arrangements made by the insured person such as a taxi, limo, bus or the purchase of an airline ticket

Failure of any device to correctly read or interpret date/time data

Any illegal activity, fraud, criminal activity, committed by or attempted by an insured person

Any act of war, whether declared or undeclared, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating or defending against such action

Terrorism, meaning any ideologically motivated unlawful act(s)

Nuclear reaction, nuclear radiation, or radioactive contamination, any weapon of war employing atomic fission or a radioactive force

How to Make a Claim

Call the Insurance Centre for American Express at 1-866-426-7496 within 30 days to file a claim.

You will be required to provide the following documentation within 90 days of the delay:

Itemized original receipts for actual expenses incurred

A copy of the travel agent’s invoice/itinerary

A copy of the account statement showing the full fare expense charged to your card and/or paid for through the redemption of rewards points

In the event of a medical emergency occurring during the first 15 days of a trip outside of your home province, you will be covered up to $5,000,000 for any medical expenses incurred.

Eligibility

In order to receive benefits under this insurance, you must:

Be a resident of Canada under 65 years of age

Be covered by GHIP (Government Health Insurance Plan)

Have your credit card account in good standing (if you’re the primary cardholder)

Be a supplementary cardholder, or be the spouse or dependent child of the primary cardholder

If an insured person has a medical emergency at the end of the trip’s coverage period, then coverage will remain in force during the period of hospitalization and up to 5 days following their discharge from the hospital. Coverage is also automatically extended for up to 3 days when the delay of an insured person's common carrier causes them to stay on the trip beyond their scheduled return date.

Coverage Benefits

Physiotherapy and Other Professional Services (up to $250 per profession)

Return to your Departure Point

Return of Deceased (up to $5,000)

Additional Hotel and Meal Expenses (up to $150 per day to a maximum of $1,500)

Bringing Bedside Companion to Bedside

Return of Vehicle

Return of Dependent Children

Return of your Excess Baggage (up to $500)

Limitations & Exclusions

No benefits are payable for any expenses incurred directly or indirectly as a result of:

Your lung, heart, or other medical condition, if at any time in the 90 days before you depart on your trip, your condition has not been stable

A medical condition for which future investigation or treatment is planned before your trip

The continued treatment of a medical condition, following emergency treatment of that condition during your trip, if it was determined that you were able to return to your departure point and you chose not to

Any services that are not emergency services

Routine care of a chronic condition

Routine pre-natal care, a child born during your trip, pregnancy, childbirth or complications of either, occurring in the 9 weeks before or after the expected date of delivery

Invasive testing or surgery unless approved prior to being performed

Your participation as a professional in sports, participation as a professional in underwater activities, scuba diving as an amateur, participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving

Your commission of a criminal act or your direct or indirect attempt to commit a criminal act

Any medical condition arising from, or in any way related to, your chronic use of alcohol or drugs whether prior to or during your trip

Your abuse of medication, drugs or alcohol, or deliberate non-compliance with prescribed medical therapy or treatment, whether prior to or during your trip

Your mental or emotional disorders

War (declared or not), act of foreign enemies or rebellion

Any portion of the benefits that require prior authorization and arrangement if such benefits were not pre-authorized and arranged

Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment, surgery, investigations, palliative care or alternative therapy of any kind

A medical condition for which it was reasonable to expect treatment or hospitalization during your trip

Symptoms which would have caused an ordinarily prudent person to seek treatment or medication in the 90 days before your trip

Treatment or surgery for a specific condition, or a related condition, which had caused your physician to advise you not to travel

Your emergency medical condition, if the reason for your condition is associated in any way with a written formal travel warning issued before your effective date Canada's Dept. of Foreign Affairs and International Trade, advising Canadians not to travel to the region of your destination

Any medical condition if medical advisors recommend that you return to your departure point following emergency services you have received, and you chose not to return

Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it

How to Make a Claim

If you have a medical emergency, you must call Global Excel at 1-866-426-7505before you receive emergency services.

If you don't call Global Excel before you seek emergency services, or if you choose to seek care from a non-approved medical service provider, you will be responsible for 20% of your medical expenses covered under this insurance and not recovered from your government health insurance plan, to a maximum of $25,000.

To file a claim, call the Insurance Centre for American Express at 1-866-426-7496 as soon as reasonably possible. You must file your claim within 90 days of your return to your home province.

In addition to a completed claim and authorization form, you must provide the following documentation:

Proof of your departure and return date

Original of all bills, invoices and receipts

Proof of payment by your government health insurance plan and payment from any other insurer or benefit plan

The completed and signed government specific forms if you reside in Quebec, British Columbia or Newfoundland

A complete diagnosis from the physician(s) and/or hospital(s) that provided the treatment, including, where applicable, written verification that the expenses were medically necessary

When you fully charge your airline tickets to your American Express Gold Rewards Card, you will be reimbursed up to $500 for loss or damage to your checked baggage or personal effects while in transit.

The maximum payable for any one occurrence is up to $500 for all insured persons combined. Of the limit coverage, jewellery is limited to no more than $300 per occurrence and no more than $250 per occurrence will apply to golf clubs, including golf bags.

Limitations & Exclusions

Coverage is not provided for loss of, or damage to, the following:

Contact lenses, eyeglasses, sunglasses, artificial teeth and limbs

Any device used to record images and/or sound and its equipment and accessories

This insurance does not cover loss of any kind caused directly or indirectly by:

Any illegal activity, fraud, or criminal activity, committed by or attempted by an insured person

Any act of war, whether declared or undeclared, hostile or war like action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating or defending against such action

Terrorism, meaning any ideologically motivated unlawful act(s)

Nuclear reaction, nuclear radiation, or radioactive contamination, any weapon of war employing atomic fission or a radioactive force

How to Make a Claim

Call the Insurance Centre for American Express at 1-866-426-7496 within 30 days to file a claim.

You will be required to provide the following documentation:

A copy of the invoice/itinerary

A copy of the account statement showing the full fare expense charged to your card and/or paid for through the redemption of rewards points

A copy of the lost or damaged baggage report filed with the airline which includes the completed claim form itemizing the baggage’s contents

Proof of settlement from the insured person’s personal insurance company

Proof of settlement from the airline company

Estimate of repair (for damaged baggage/contents) or a note from the repair facility stating not repairable

If you book a flight using your American Express Gold Rewards Card, you will receive coverage up to $500 per insured person for all immediate reasonable and necessary emergency expenses incurred for essential clothing, toiletries and other sundry items when your checked baggage on your outbound trip is delayed by 6 hours or more.

Essential items must be purchased before your checked luggage is returned and no later than 4 days (96 hours) after you've arrived at the final destination.

Coverage applies only when the full fare of the ticket is charged to your American Express Gold Rewards Card and/or paid for using your earned rewards points.

Note: The maximum aggregate limit under the flight delay and baggage delay coverages is $500.

Exclusions

This insurance does not cover loss of any kind caused directly or indirectly by:

Baggage delay as a result of a flight that is returning to your place of residence (not outbound)

Any illegal activity, fraud, criminal activity, committed by or attempted by an insured person

Any act of war, whether declared or undeclared, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating or defending against such action

Terrorism, meaning any ideologically motivated unlawful act(s)

Nuclear reaction, nuclear radiation, or radioactive contamination, any weapon of war employing atomic fission or a radioactive force

How to Make a Claim

Call the Insurance Centre for American Express at 1-866-426-7496 within 30 days to file a claim.

You will be required to provide the following documentation within 90 days of the delay:

Itemized original receipts for actual expenses incurred

A copy of the travel agent’s invoice/itinerary

A copy of the account statement showing the full fare expense charged to your card and/or paid for through the redemption of rewards points

Verification from the airline of the delay including reason, duration of delay, and any compensation issued

Proof of delivery confirming the date and time your baggage was delivered

If, while you are registered as a guest of a hotel/motel, your personal property is damaged or stolen from your room and there are visible signs of forceful entry, you will be reimbursed up to $500 per person for the loss of personal items (excluding cash).

Note: Coverage applies only when the full cost of the hotel/motel room has been charged to your American Express Gold Rewards Card.

Limitations & Exclusions

This insurance does not cover loss of any kind caused directly or indirectly by:

Any illegal activity, fraud, criminal activity, committed by or attempted by an insured person

Any act of war, whether declared or undeclared, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combating or defending against such action

Terrorism, meaning any ideologically motivated unlawful act(s)

Nuclear reaction, nuclear radiation, or radioactive contamination, any weapon of war employing atomic fission or a radioactive force

How to Make a Claim

Call the Insurance Centre for American Express at 1-866-426-7496 within 30 days to file a claim.

You must take all reasonable steps to protect, save or recover your property. In the event of a burglary, you must promptly notify either the police or other proper authority. An official letter from hotel/motel must be sent in writing to validate the claim.

You will be required to provide the following documentation within 90 days of the burglary:

Invoice issued by the hotel/motel

A copy of the account statement showing the full cost of the hotel/motel charged to your card